Reply #51: They are not a great deal for many people

[antigop]

First of all, you have to be ABLE TO SAVE money into it.

Secondly, if you have medical problems year to year, you have to pay the DEDUCTIBLE EACH YEAR.

Thirdly, all this is doing (and by design) is siphoning off healthier people into the high-deductible route, leaving less-healthy in the conventional plans, driving up premiums for the conventional plans, because the conventional plans are left with sicker people.

The whole scheme is inhumane -- it forces sick people to pay much, much more -- and it negates the very reason to have insurance -- the healthier people subsidize the less healthy.